A DSCR loan uses a rental property's cash flow to qualify — not your personal tax returns or W-2s. No cap on the number of financed properties. Available in California, Arizona, Colorado, Nevada, Tennessee, and Washington.
DSCR stands for Debt Service Coverage Ratio — it's the property's monthly rental income divided by its monthly mortgage payment. A ratio of 1.0 means the rent exactly covers the payment; higher is stronger.
We use market or in-place rent, not your W-2 or tax returns, to qualify the loan.
Rent ÷ mortgage payment (PITIA). 1.0+ is standard; some lenders go as low as 0.75 with a rate adjustment.
No cap on financed properties — add DSCR loan after DSCR loan as you grow your portfolio.
Most programs want 1.0 or higher — rent covers the full mortgage payment. Some lenders allow ratios as low as 0.75 with a rate adjustment.
No cap — unlike conventional investment financing, which limits the number of financed properties.
Typically 20–25%, depending on the property's DSCR ratio, credit profile, and loan amount.
Yes — DSCR loans are available in California and every state we're licensed in: Arizona, Colorado, Nevada, Tennessee, and Washington.
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